Stay Informed

Change in the financial planning landscape is a given. We routinely post content that will help you stay current with legislative topics, financial planning tools, and everything you want to know about retirement strategies.


Navigating the Complexity of EBSA Investigations

Members of the House of Representatives recently raised concerns regarding the Department of Labor’s EBSA investigations into plan sponsors, citing them as lengthy and burdensome, and called for reform. In a Sept. 19 letter to Acting Labor Secretary Julie Su,

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401(k) Fears: What’s a Plan Sponsor to Do?

Sound investment decisions are rarely made under the weight of worry. The field of behavioral finance points to a number of cognitive distortions that feed on investor fear – including 401(k) fears – and can plague participants’ decision-making while compromising

Gratitude in Brief for the Holiday Season

If you think about it, “reflection” is an interesting word. Depending on the context, it can mean gazing backward in time, inward to your personal core, or outward at how others perceive you.   Regardless of the view, we believe there’s

Navigating Market Crowd Wisdom

In a bit of a paradox, you’ll find the following two titles on our recommended reading list:   The Wisdom of Crowds, James Surowiecki (2005)  Memoirs of Extraordinary Popular Delusions and the Madness of Crowds, Charles Mackay (1852)  So, which is

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Fed Rate Decision: Implications for Sponsors

In September, the U.S. Federal Reserve announced it would hold interest rates steady for now but signaled at least one more hike may lie ahead before the end of the year. Moreover, rates are likely to stay elevated, as the

Financial Freedom: When Financial Therapy Meets Wealth Management

As financial advisors, we help people attain financial independence. Usually, our personalized planning conversations are enough to help them establish a healthy, happy relationship with their money. But sometimes, we uncover bigger pain points we need to move past before

Top 5 Questions You Should be Asking About the SECURE 2.0 Act as a Retirement Plan Sponsor

 1. How does the SECURE 2.0 Act affect my current participants?   Employer Matching Contributions as designated Roth contributions: An optional provision, which has now been delayed until January 1, 2026. Participants may choose, plan permitting, to treat employer matching

Navigating Investment Choices: Learning from Mistakes and Maximizing Opportunities

Nobody wants to make investment mistakes. And yet, we’re human; mistakes happen. Here’s how to minimize the ones that matter the most, and make the most of the ones that remain.   Bad Decisions vs. Bad Outcomes  First, let’s define what

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Understanding the True Cost of Safe Harbor Plans

As a plan administrator or sponsor, you want to provide your employees with a retirement plan that benefits them while also being beneficial to your company. Safe harbor plans have become a popular option, but some sponsors may be hesitant

Unravelling 408(b)(2) Plan Fees

You already know a fiduciary must act solely in the interest of the plan participants, their beneficiaries and alternate payees to ensure that only reasonable expenses are being paid. The big question is: how do you know if plan fees

Securing Your Interests: Essential Legal Tools for Life’s Uncertainties

Whether due to disability, dementia, or simply enjoying an exotic vacation, there are many ways you can end up unavailable to make critical financial or healthcare choices for yourself or your loved ones. If you’ve not documented your desires in

Working with a Plan Administrator: Setting Up Retirement Plans that Retain Employees

With the ever-changing landscape of retirement benefits and the laws around them, it makes sense that employees are taking a closer look at what companies are offering. Appreciation for company benefits is on the rise, according to the 2022 Global

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